How to Cancel an ICICI Bank Credit Card

Your credit card needs may evolve with the changing circumstances and financial requirements. Knowing how to close an ICICI Bank credit card can help you take quick action when the need arises. 

If you decide to cancel your ICICI Bank credit card, you can proceed both online and offline. 

You can call customer care, send an email or log in online to initiate cancellation. Ensure that you do not have outstanding dues before you initiate cancellation. Make sure you have the credit card number handy, no matter which mode you choose.

You can contact the credit card customer care centre to cancel an ICICI Bank credit card. The executive will ask for certain information like the card number and the reason for cancellation to process your request.

To cancel an ICICI Bank credit card, you can also write an email from your registered email address. You can send your email to customer.care@icicibank.com to discontinue the card’s services. It is mandatory to mention the following details in your email:

• Name of the ICICI Bank credit cardholder

• Account number

• Credit card number

• Type of ICICI Bank credit card

• Expiry date of the credit card

• Reason for cancellation/credit card deactivation

• Registered mobile number

An ICICI Bank executive will contact you within three working days to discuss your cancellation request. Once the details are duly discussed, ICICI Bank will cancel your credit card.

You can also submit an online request to cancel your card. Here’s how:

1. Visit ICICI Bank’s official website

2. Log into the ICICI Bank Credit Card net banking account with your credentials

3. Under ‘Service Request’, scroll to ‘Credit Cards’ and select ‘Request for Cancellation of Credit Card’

4. You will be redirected to a new page where you can enter mandatory details like card number, cancellation reason, etc.

5. Submit the form to initiate the ICICI Bank credit card account closing procedure

An ICICI Bank executive will contact you within three working days to discuss your cancellation request. After this, the team will cancel your card. 

While you can close your ICICI Bank credit card whenever you decide to, keep certain important things in mind before you do. These include: 

• Ensure the outstanding balance, including EMIs, is fully paid before cancelling your ICICI Bank credit card

• Redeem any accumulated reward points before closing the card to avoid losing them

• Avoid using your ICICI Bank credit card once you decide to cancel it to prevent new debt or delays in cancellation 

• Deactivate automatic payments linked to the card before cancellation to avoid missed payments

• Check your latest credit card statement for fraudulent transactions before proceeding 

When you cancel your credit card, your overall credit limit comes down. This, in turn, increases your credit utilisation ratio. Since keeping this ratio within 30% is recommended, your CIBIL score may be impacted temporarily when you close your credit card. 

However, if the credit card you are cancelling is the only card you have, your CIBIL score may not be affected. Overall, your CIBIL score can still be improved if you continue to pay your other dues on time.

After you cancel an ICICI Bank credit card, you may want your card back in service for various reasons. However, you cannot reactivate a closed card. To resume the services you were enjoying, you will have to re-apply for the credit card.

Reference of all T&Cs necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time, amongst other conditions.